Chase review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Chase suits people who want a debit account, a savings pot and a cash back card under the same bank name, and it disappoints anyone who expects fee-free banking. A foreign purchase on the credit card costs 3% in conversion, while the savings account pays a variable rate.
Key facts
Credit cards
- Annual fee
- $0↗
- APR
- 18.24% to 27.74%↗
- Rewards type
- Cashback↗
- Rewards rate
- 1.5% cash back on other purchases, 3% dining and drugstores, 5% Chase Travel↗
- Balance transfer intro period
- 15 months↗
- Balance transfer fee
- 5%↗
- Credit needed
- Good↗
- Perks
- $200 welcome bonus after $500 spend in first 3 months, 0% intro APR for 15 months on purchases and balance transfers, Free credit score and alerts with Chase Credit Journey, No minimum redemption value for cash back, FDIC insured↗
- Cashback rate
- 1.5%↗
- Card kind
- Credit↗
- Pricing model
- No annual fee
Pros and cons
Pros
- Deposits are held by JPMorgan Chase Bank, N.A. and covered by FDIC up to USD 250,000.
- The card pays cash back, cashback, at 1.5% on general spending with no minimum redemption value.
- Savings is easy access, with interest compounded and credited monthly on the daily collected balance.
Cons
- A monthly fee of $15 on the debit account, where bunq charges €0 and Wise £0.
- A balance transfer costs 5%, and standard borrowing runs at 18.24% to 27.74%.
- Support runs on help centre only.
Who it suits
- People who want day to day spending, savings and a rewards card under the same bank name.
- Anyone clearing an existing balance and willing to use the intro offer.
- Borrowers with good credit who pay the card down each statement.
Who should look elsewhere
- Fee-averse everyday banking: bunq has a monthly fee of €0.
- Building credit from a thin file: the Chase card asks for good credit, where Varo Believe Secured Credit Card is secured.
- Frequent converters: a foreign purchase on the Chase card costs 3%, while a Wise account runs a monthly fee of £0.
How Chase compares
8.2 vs 9.4
8.2 vs 9.0
8.2 vs 8.9
8.2 vs 9.4
8.2 vs 8.7
8.2 vs 9.2
8.2 vs 9.4
8.2 vs 8.7
8.2 vs 9.3
8.2 vs 8.9
8.2 vs 8.6
8.2 vs 9.2
8.2 vs 8.4
8.2 vs 8.5
8.2 vs 8.8
8.2 vs 9.0
8.2 vs 8.6
8.2 vs 8.3
8.2 vs 9.5
8.2 vs 9.4
8.2 vs 9.4
8.2 vs 9.3
8.2 vs 9.3
8.2 vs 9.3
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8.2 vs 9.2
8.2 vs 9.2
8.2 vs 9.2
8.2 vs 9.1
8.2 vs 9.1
8.2 vs 9.1
8.2 vs 9.1
8.2 vs 9.0
8.2 vs 9.0
8.2 vs 9.0
8.2 vs 8.9
8.2 vs 8.8
8.2 vs 8.7
8.2 vs 8.5
8.2 vs 8.4
8.2 vs 8.0- 8.2 vs 8.0
Frequently asked questions
What does it cost to keep a Chase account and card?+
The debit account charges a monthly fee of $15, and the credit card has an annual fee of $0. A balance transfer adds 5%, with the promotional rate running for 15. Cash back carries no minimum redemption value.
What does it cost to spend in another currency on the Chase credit card?+
A foreign purchase on the credit card carries a conversion fee of 3%. The site median conversion fee is 1%, so the Chase rate sits above the middle of the field. The other card listed here is a debit card.
Is the money safe, and what protects deposits?+
Deposits are held by JPMorgan Chase Bank, N.A. and covered by FDIC up to USD 250,000. The savings side runs as an easy access account, so funds are reachable through the Chase Mobile app and interest is compounded and credited monthly on the daily collected balance.
Can I move a balance and pay less interest?+
The credit card offers an intro period of 15 at a promotional rate on purchases and balance transfers, with a transfer fee of 5%. Standard borrowing runs at 18.24% to 27.74%, and the card asks for good credit.
What rewards come with the Chase credit card?+
Rewards are cash back, cashback, paying 1.5% on general spending, and the rate rises on dining, drugstores and Chase Travel bookings. $200 welcome bonus after $500 spend in first 3 months, 0% intro APR for 15 months on purchases and balance transfers and Free credit score and alerts with Chase Credit Journey also lists a welcome bonus, a free credit score with alerts and no minimum redemption value.
How easy is it to get at savings money?+
The savings account is easy access: funds come through the Chase Mobile app, and interest is compounded and credited monthly on the daily collected balance. The rate is variable, so the headline figure can move rather than staying locked for a term.
How do I get help from Chase?+
Support runs on help centre. Account questions, card problems and balance transfer terms sit there, and savings is managed through the Chase Mobile app. Anyone wanting a wider support mix may weigh a different provider.
Sources
- chase.com checked September 26, 2026
Backs: Legal entity
“JPMorgan Chase Bank, N.A. is a wholly-owned subsidiary of JPMorgan Chase & Co.”
- chase.com/credit-cards checked September 26, 2026
Backs: Annual fee, Card kind, Cashback rate, Features, Pricing model, Rewards type, Support channels
“Chase Freedom Unlimited(R) credit card - Earn a $200 bonus; Earn unlimited 1.5% cash back or more on all purchases; No Annual Fee”
- chase.com/personal/checking/total-checking checked September 26, 2026
Backs: Card type, Monthly fee
“you'll get reimbursed for unauthorized charges on your debit card when reported promptly”
- chase.com/personal/savings checked September 26, 2026
Backs: Access terms, Account kind, Deposit protection
“The Chase Savings account provides easy access to your funds via the Chase Mobile app.”
- chase.com/personal/savings/savings-account/interest-rates checked September 26, 2026
Backs: Rate type
“Interest rates on a savings account at Chase are variable and determined daily at Chase's discretion.”
- nerdwallet.com/reviews/credit-cards/chase-freedom-unlimited checked September 26, 2026
Backs: APR, Balance transfer fee, Balance transfer intro period, Credit needed, Currency conversion fee, Perks, Rewards rate
“APR: 18.24%-27.74% Variable APR (Chase Freedom Unlimited)”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Related by the facts
Chase
Everyday spending and cash back on a credit card, for US customers who can carry the fees.